I cut up one of my credit cards yesterday. Wow, what a relief. I've been catching up with my financial class and I reached the class on dumping debt. David Ramsey explained why I don't need debt anymore and I can do just fine without a credit score. It made perfect sense so I took the next big step and cut up one of the credit cards. I'm not quite ready to take out the second one(though I'm sure it's coming up soon), but at least I'm one step in. This class I'm taking has given me hope and has kindled a fire in my desire to get rid of this debt with which I've shackled myself. Freedom is near, I can feel it.